HDFC Credit Cards Eligibility

HDFC offers a wide range of credit cardsto cater to your varied needs. Right from travel, food, entertainment to shopping, HDFC credit cards cover all. But before you apply for any of these credit cards, it is important for you to know their eligibility. Yes, you have to meet the required eligibility criteria set by the lender to avail of these cards. We have picked some of the most popular credit cards and before you apply for any of them, it would be advisable to know HDFC credit card eligibility.

Minimum Age of an applicant should be 21 to 60 Years (Salaried), 21 to 65 (Self-employed)Minimum Income: Rs.1.75 lakh per month (Salaried), Rs.21 lakh per annum (Self-employed)

How to Apply for HDFC Credit Card Online

You simply need to send an online query for a credit card. And, soon after receiving the same, the related quotes would be sent to you after checking your eligibility. In just a few simple and quick steps, you can apply for your favourite card. On matching the eligibility, you need to submit the required KYC documents. Hence, you can expect instant approval and a card will be dispatched to your address.

How to Check If You are Eligible For HDFC Credit Card

There are several factors to check your eligibility; some of these are common for all banks, but others can be bank-specific

Each bank has a number of credit cards to choose from. When you are on the bank website, you are also given the option to compare the credit card you’re interested in with other cards. Who knows?

The other cards may have benefits that could divert you from your first-choice card

Once you choose your card, you would be required to mention your details, which includes the name of your company/business.

Mention your annual salary

If you already have a card, then certain banks will ask you which one it is. Basis this record, the bank usually checks your credit payment history, and deems you eligible based on your credit score

Enter your age and contact details

Documentation Required for HDFC Credit Card

You should have at least 1 passport size photograph.

Any of the address proofs such as Passport, Ration card, Electricity Bill, Aadhar card has to be submitted.

Applicant should possess PAN Card, Form 16 and Income Tax Returns Statement

Salary slips/certificate for the last 3 months or latest bank statement indicating the credit of salary for a minimum of 3 months

HDFC Credit Card Limit

The card limit would depend on a variety of factors such as your income and credit history. A greater income lends credence to a strong repayment capability, resulting in a higher limit offer. In addition, you must also have a strong credit history and a good credit score if you want more limits on HDFC credit cards. However, you should remember to utilize the credit limit in a responsive manner to stay away from the debt trap. Plan your purchases according to your income and your ability to pay dues on time.

Factors Affecting HDFC Credit Card Eligibility

Age: You must be at least 18 years old. However, some banks have a minimum requirement of 21 years. The maximum age requirement also differs, and it generally goes up to 60 years.

Annual Salary: Your annual income determines if you’re eligible for a particular card or not. Make sure your income meets the required eligibility criteria set by the bank so that you can easily avail the loan.

Nationality or Residential Status: Citizens, residents, and non-residents can apply. However, there are a few cards that are only available for Indian citizens.

Credit Score: Your chances of getting a credit card increases when you have a stellar credit score. If you have a bad score, your application will most likely be rejected. A good credit score is anywhere from 750 to 900.

Employment: Another factor that affects your eligibility is your employment status. Staying in your current job for more than a year can improve your chances of getting a credit card significantly.

Location: Banks also take your location into consideration when they assess your application. Certain cards are only available to those residing in particular cities

Factors That Can Improve Your Credit Card Eligibility

Do the following to improve your eligibility:

Repay debts on time.

Do not exhaust the credit limit of your Credit Card.

Keep a healthy mix of secured and unsecured credit.

Limit loan applications to limit enquiries.

Doing all these will increase your credit score and creditworthiness, thus, making you more eligible. Meet all the Credit Card criteria of eligibility and get approval without any hassle.

HDFC Credit Card Customer Care Number

Whatever the query or problem may be, feel free to talk to the customer care representatives on the 24X7 toll-free number 1800-425-4332. The representatives are ready to resolve any query be it on discounts, reward points, fees & charges, etc.